Rating based on 35 reviews

NZCU Auckland


  • Low-interest starting from 9.95%
  • Credit union loans up to $30,000
  • Repayment up to 36 months

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NZCU Auckland homepage

Author NZCU Auckland. Screenshot of NZCU Auckland website. [Accessed May 23, 2018]

About NZCU Auckland

The best finance options at your disposal.

NZCU Auckland is a credit union that serves customers residing or working in the Auckland area with a vast array of financial and insurance services.

Unlike banks and other lenders, they don’t operate for profits and are here for their customers who are also their investors.

Put your trust in a credit union that has been around since 1965. They have been making a big difference in the lives of kiwis as they have not only offered low-cost finance but also careers and great opportunities.

More than just a financial services provider

They’re owned and operated by their members who are also their customers and any profits derived from providing their services are reinvested into helping other members.

It is also used to improve their products and services to their members. They offer everything and more at the lowest possible rates.

Get the flexibility you deserve

The great part with them is that you can choose to make your loan repayments once every week, every fortnight, or every month. Whatever is suitable for you. They always strive to give their members a high level of freedom when it comes to their money.

What's more is that if you want to make extra payments, they won't penalize you for it.

What NZCU Auckland can offer you

At NZCU Auckland they offer a wide range of products and services.

Including everyday transactional bank accounts, savings accounts with better than average returns, debt consolidation, personal loans a range of flexible and affordable insurance products, and investment accounts – and all this at the best rates in New Zealand.

Consolidating debt with NZCU Auckland

Many members come to them with a range of unsecured debts that are expensive and sometimes out of control. As a credit union, they offer personal loans with rates as low as 12% per annum which means members can almost be guaranteed to save money when they consolidate with an NZCU Auckland loan.

Their loan terms are extremely accommodating

With loans starting from $1,000 and up to $30,000, you can repay your personal loan over a very flexible time period, ranging from a minimum of 3 months to a maximum of 5 years.

When it comes to their interest rates, you can enjoy rates that are as low as 9.95% per annum! Their maximum loan rate is 19.00% per annum. The rate that you get will be dependent on a variety of factors which include your security as well as your individual circumstances.

An easy online loan application

Save your time and money by applying for your loan online. Not only is it convenient, but it’s also super easy and straightforward.

NZCU Auckland Product Details

  • Loan Type Credit union loans
  • Interest Rate from 9.95%
  • Loan Amount up to $30,000
  • Repayment 6 months to 36 months
  • Monthly Service $200

At NZCU Auckland we offer a wide range of products and services

In order to take advantage of their fantastic rates, flexible terms, and absolutely transparent services you must be a member of NZCU Auckland.

To become a member, you must live or work in the Auckland area and you must make an online loan application with them online or in their offices.

Filling in their contact form

They have three branches:

  • Auckland Airport Branch
  • Manukau Branch
  • Tip Top Branch

Step 1:

You can make your way to one of the above branches to apply for membership or you can visit their website and fill in their short contact form. The form will request your basic details, contact information, and address.

Step 2:

Once they’ve received this, they will be in contact with you to complete your membership application and welcome you to the NZCU Auckland family where you can access low-rate home loans, car loans and so much more.

They will work hand in hand with you

They want to provide their customers with products that are best suited to their individual needs and lifestyle.

It is for this reason that they have a team made up of skilled experts who will work closely with you to make sure that they can offer you a product that will allow you to achieve your objective, whatever that may be. So, get in touch today because they are definitely the right people to talk to.

Benefits of joining NZCU Auckland

  • Great support on many levels.
  • Lowly priced finance solutions for every situation.
  • A group that cares about your financial well-being.

Customer Reviews & Testimonials

January 2020

Applying online was so simple and time-effective. I didn't have to deal with the usual hassles when applying for a loan

Alex M
— Waiheke Island —

February 2020

What I love most about NZCU Auckland is that they actually consider your needs and work around them.

Paige W
— Manukau —

August 2021

I joined them a few months ago and I think that it might have been one of the best decisions I have ever made.

Samuels M
— Christchurch —

July 2021

Great people that offer great solutions.

Brown D
— Hamilton —

February 2022

I am extremely happy with the low-interest rate I got from them. Such a reliable and extraordinary lender.

Bell L
— Napier —

NZCU Auckland Contact Details

Contact Number



Physical Address

Postal Address

  • PO Box 12564, Penrose Auckland, 1642, New Zealand

Opening Hours

  • Monday 09:00 – 16:30
  • Tuesday 09:00 – 16:30
  • Wednesday 09:00 – 16:30
  • Thursday – Closed
  • Friday 09:00 – 17:30
  • Saturday – Closed
  • Sunday – Closed